Work directly with Krista on any home here · Broker Associate · 20+ years · 500+ closings · Christie's International Real Estate First Coast

This home is in Neptune Beach — a home near Duncan U. Fletcher High School.

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536 South Street

Neptune Beach, FL 32266

$980,000$742/sqftEst. $5,090/moMLS# 2164223

Beds

Baths

1,320

Sq Ft

1957

Built

—

Garage

Pool

About this home

Neptune Beach

A true beach house in the heart of Neptune, just a few blocks from the ocean. So rare for a home to come to market that has been thoughtfully redesigned and updated while also preserving glimpses of its original character. Inside, you'll find bright, open spaces filled with natural light. Large windows look onto beautiful landscaping, creating a private oasis. Situated on a large lot on one of the most coveted streets of Neptune Beach, this property is one of a kind. Just steps to the beach and seconds from Jarboe Park, with Beaches Town Center and its restaurants, coffee, local shops, and community just a short bike ride away. The value of the improvements already completed here is substantial! Major upgrades include fully updated electircal and plumbing, full interior and exterior paint (2025), complete interior remodel, backyard remodel (2025), HVAC (2025), water heater (2020), paver driveway (2018), all new premium windows (2018),architectural shingle roof (2017), and so much more

Cost to own

Mortgage calculator

Home Price

$980,000

Down Payment: 20%

$196,000

Interest Rate: 6.76%

Loan Term

Monthly Payment

$5,090

Principal & Interest: $5,090

Property taxes (est.): $1,600

Insurance (est.): $653

Estimated Total Monthly

$7,344

*30-year loan at 6.76% APR (avg 30-yr rate 2026-09-10, Freddie Mac PMMS via FRED). Taxes use the county effective rate; insurance is a rough estimate — Florida premiums swing with roof age and flood zone (see the Reality Check). Actual costs may vary.

Cost to own

True monthly cost

What this home actually costs per month at the asking price — not just the mortgage.

Principal & interest20% down · 6.76% · 30yr$5,090

Property taxesest. at asking price, Duval County$1,600

Estimated total, before insurance$6,690/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$4,462/yr · $372/mo

• Homeowners insurance is on top — in Florida it varies widely with roof age and wind/flood zone (see the Reality Check below). Budget it before you offer.
• In CDD communities (Nocatee, eTown, Seven Pines…), bond assessments are collected on the property-tax bill, and the amount varies home to home — a prior owner may have prepaid the bond — so we confirm this home’s exact line rather than trust a community average.
• Taxes are estimated at YOUR purchase price — Florida assessments reset on sale, so the seller’s current bill is usually lower than yours will be (that applies to the reference bill above too).

Cost to own

Taxes & assessment

2025 property taxes (current owner): $4,462/yr

Estimated taxes if purchased at asking price: ~$19,200/yr

Florida’s Save Our Homes cap limits how fast the current owner’s assessment can rise — and it resets when a home sells, so a buyer’s tax bill is typically based on the purchase price, not the seller’s bill above. Estimate uses the median effective rate across 3,305 current Duval listings and includes typical non-ad-valorem assessments; actual taxes depend on exemptions and taxing district. Sources: Florida DOR certified tax roll, NEFMLS.

Storms & insurance

Florida Reality Check

The storm-and-insurance facts every Florida buyer should know up front.

Flood zone not yet determined

Check the exact parcel at msc.fema.gov or ask Krista to pull it.

Flood damage is not covered by standard homeowners insurance — it’s always a separate policy.

Evacuation zone not yet determined

Check floridadisaster.org/knowyourzone.

Roof: Shingle — 2017 per the listing

A recent roof is the single biggest lever on Florida homeowners-insurance pricing.

Solar potential: ~1,755 usable sun-hours per year

A strong solar roof by Florida standards — worth pricing panels if energy bills matter to you.

Krista can connect you with local insurance quotes before you make an offer.

Ask about this home

This Reality Check is informational only — it draws on FEMA/FDEM hazard layers, Florida DOH water records, and the listing’s own fields at this property’s coordinates. None of it is a determination, survey, or inspection, and public records can lag or conflict with on-site conditions. Independently verify anything you’ll rely on: the flood zone at msc.fema.gov and floridadisaster.org/knowyourzone (and confirm flood-insurance cost with your lender and a licensed insurance agent), and the sewer/septic, roof, and utilities with a professional inspection.

History